QCredit card debt, collections?

My husband and I built a house and end up going for our allowance 80,000. We're not sure what to do . I can only pay 600 a month to the creditors . How I can get the finance charges stop. I have 14 cards . We thought about selling our house as a last resort. We do not want to declare bankruptcy . Please any advice would be appreciated ! 600 a month is not enough to pay even the minimum .

2 answers

What the hell were you thinking when you did that ? ? Sorry to sound rude , but that was not the brightest move they could have made.
That said, you have incurred debt , and now your options are to restructure the debt into something manageable . You do not say HOW spent the $ 80K , but I hope that was spent to add value to the structure and not on luxuries such as plasma TVs and other luxuries that are not part of the premises .
You need to find quality information on refinancing the mortgage or HELOC to transfer the credit card debt to become more manageable . This will reduce their interest rates substantially , while giving you the added advantage of being able to make all interest payments as a tax deduction .